Summit Financial Education (the "Website") is a generic website
and on-line shop for generic items provided by Summit Financial Education Inc."
(together with its affiliates, "Summit Financial Education"). Your
access and use of the Website and Summit Financial Education's software
products made available via the Website (the "Products And Services") is subject to your compliance with the
terms and conditions set forth below. Please examine this document carefully before accessing or using the
Website and the Products And Services. By accessing or using the Website and the Products And Services, you
agree to be legally bound by the terms and conditions set forth below. You may not access or use the Website
and the Products And Services should you not want to be bound by these terms and conditions. This Agreement
may be modified at any time, and any such modification shall be effective immediately upon posting of the
modified agreement. By your access and use of the Website and the Products And Services, you agree to
periodically review this Agreement and shall be conclusively bound by any such future modifications.

Restrictions. The entire contents of the Website and the Products And Services are copyrighted under
the United States copyright laws. Summit Financial Education is the
exclusive owner of the copyright. You may print and download the documentation for the Products And Services
designated for printing solely for your non-commercial use. Any other copying, redistribution, publication
or retransmission of any portion of Website material or the Products And Services is strictly prohibited
without the express written permission of Summit Financial Education.
You agree not to change or delete any proprietary notices from the documentation downloaded from the Website.
You agree that any communication you make to the Website (whether information, feedback, data, questions,
comments, suggestions or the like) shall be deemed not to be confidential. The title, right and interest to
the Products And Services and all copies are retained by Summit Financial Education.
You may not modify, decompile, disassemble, decrypt, extract or otherwise reverse engineer the Website's Content,
or create derivative works based upon all or part of the Website. No right, title or interest to any trademarks
or trade names of Summit Financial Education or its licensors is granted
to you.

Disclaimer. You understand that, except for information, products or services clearly identified as being
supplied by Summit Financial Education, Summit Financial Education does not operate, control or endorse any
information, products or services on the Website in any way. Except for
Summit Financial Education identified information, products or services,
any other information, products and services offered on the Website are offered by third parties that are not
affiliated with Summit Financial Education. You also understand that
Summit Financial Education cannot and does not guarantee or warrant that
the Products, files or software of any kind, or from any source, available for downloading through the Website,
will be free of infection or viruses, worms, Trojan Horses or other code or defects that manifest contaminating
or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy
your particular for accuracy of data input and output, and for maintaining a means external to the Website for
the reconstruction of lost data. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE, THE
PRODUCTS AND ANY SERVICES CONTAINED THEREIN. THIS WEBSITE AND THE PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS
WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE.

Summit Financial Education ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS
IN THE PRODUCTS OR THIS WEBSITE OR ANY OTHER WEBSITE WHICH MAY BE REFERENCED OR LINKED TO THIS WEBSITE. IN NO
EVENT SHALL Summit Financial Education BE LIABLE FOR ANY SPECIAL, INCIDENTAL,
INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE
RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, OR UNDER ANY
THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE, COMMUNICATION OR TRANSMISSION OF THE
INFORMATION OR THE PRODUCTS. THE INFORMATION AND THE PRODUCTS INCLUDED IN THIS WEBSITE COULD INCLUDE TECHNICAL
OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS. AMENDMENTS ARE PERIODICALLY MADE TO THE INFORMATION CONTAINED
HEREIN AND THE PRODUCTS; THESE AMENDMENTS WILL BE INCORPORATED INTO THE WEBSITE AND/OR THE PRODUCTS
AND Summit Financial Education MAY MAKE IMPROVEMENTS AND/OR SAID AMENDMENTS
TO THE WEBSITE AND THE PRODUCTS AT ANY TIME. ANY AND ALL PORTIONS OF THIS DISCLAIMER SHALL AUTOMATICALLY APPLY TO ALL IMPROVEMENTS AND/OR
AMENDMENTS AS THEY APPEAR ON THE WEBSITE AND/OR THE PRODUCTS.
Summit Financial Education DOES NOT WARRANT THAT THE WEBSITE AND ACCESS
TO THE PRODUCTS WILL BE UNINTERRUPTED OR ERROR FREE OR THAT DEFECTS IN THE WEBSITE OR THE PRODUCTS WILL BE
CORRECTED.

If you are dissatisfied with the Website or the Products or with any terms, conditions, rules, policies,
guidelines or practices of using the Products or of Summit Financial Education
in operating the Website, your sole remedy is to discontinue using the Website and the Products.

Links to Third Party Sites. The links in the Website will allow other sites to be accessed. These
linked sites are not under the control of Summit Financial Education,
and Summit Financial Education is not responsible for the contents of
any linked site. Summit Financial Education provides links only as a
convenience, and such inclusion of any link does not imply endorsement by
Summit Financial Education of the site.